@Kyle Trotman If you purchased with a hard money loan conventional lenders will require extensive seasoning to utilize the new appraised value for cash out. 

However, there's a loss on the 2023 Tax Returns, and Net Income is $45,000 in 2022 (Client has lots of writeoffs) What loans could I use that only consider:- Bank Statements - 1099s - Credit Score Please contact me with options.

Point noted about not being able to underwrite without seeing things in person.

Any laws against repaying the loan in stocks instead of actual cash?

I concur with @Joe Davis and do the same with my company, however I refer other loan types outside of Transactional Funding loans to others.

They will schedule an inspection to verify that the second bedroom does in fact exist in the apartment.I am not sure, I believe it’s because this apartment is only being rented by one person on the lease.  

Cash out refi only if the rental income significantly exceeds the monthly payment and you want liquidity to invest elsewhere.2.You can maybe do a HELOC if you want a smaller loan that doesn’t involve refinancing the entire house.3.

That is my personal go to.

The person worked for H&R Block, now works for TurboTax Live and is being honest about their skills: NOT QUALIFIED.

I personally spend about 50K a year in masterminds and always get my money back just through network of individuals you get access to.